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Home » Personal Banking » Credit Card » Platinum Visa
Credit Cards is rated 4.4022 out of 5 by 92.
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Worldwide Convenience. Added Value. Options to Meet Your Needs.

Visa Platinum

Enjoy the prestige of a Platinum card with the added benefits of a low variable rate.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs

Ask a Question about our Visa Platinum card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Signature Rewards

Apply for the card that gives you instant access to special experiences, dozens of benefits and complimentary 24-hour Visa® Signature Concierge* service.

With an Apple FCU Visa Signature Rewards Card, you’ll enjoy the finest choice reward options for travel, merchandise, food, wine, entertainment and sports, while earning points on all your purchases.

Experience for yourself how rewarding life can be.

  • Earn 3x points on gas, 2x points on groceries and one point on all other net purchases**
  • Enjoy dozens of privileges reserved for Visa Signature cardholders, including luxury hotel benefits, complimentary concierge service*, travel offers and protections
  • Explore your world with incredible travel offers and enjoy premium benefits at a selection of some of world’s most prestigious properties when booked through the Visa Signature Luxury Hotel Collection
  • Benefit from special savings and discounts from top retailers
  • Get preferred access to popular events with an inside connection to ticket pre-sales, special stay-and-play packages and ticket discounts


Because you deserve the best, your Visa Signature Rewards Card offers:

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $50,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Guide to Benefits | Rewards Overview | Apple Pay FAQs

Ask a Question about our Visa Platinum card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

*Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholders’ behalf.
**Reward point earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1) will expire on the last business day of calendar year five (5). Refer to the Visa Signature Rewards Overview for complete details about eligibility, reward accumulation and redemption.
1Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.

MyRewards Visa

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else
  • Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity.
    Learn More About CURewards
Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $5,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1)will expire on the last business day of calendar year five (5). Refer to the MyRewards Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our MyRewards Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Educator Visa

Carry the card created with educators in mind.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:

Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County,  Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $1,000 Direct Deposit.
*APR=Annual Percentage Rate. Introductory rate is applicable to purchases only during the first 12 months after your account is open. After the twelfth billing cycle your rate will adjust to your standard variable rate, which may adjust quarterly based on the Prime Rate. Refer to the Visa® disclosure for complete details.
**By participating in Apple Federal Credit Union’s Educators Visa Summer Skip program, you are being provided the opportunity to skip your Credit Card payments during the months of July, August and September. If you take advantage of this offer you agree and understand that: 1) FINANCE CHARGES will continue to accrue at the rate and conditions provided in your original CREDIT CARD AGREEMENT, during and after this time; 2) deferring your payment will result in having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 3) the payment deferral will extend the amount of time it will take to pay off your outstanding balance; 4) you will be required to resume your minimum Credit Card payments in October; 5) you may make any payments during the deferment period and 6) if the Credit Card Account is jointly held, either borrower may act on offer. All deferrals are subject to Apple Federal Credit Union approval. Your Credit Card(s) must be current and in good standing to receive this offer. Certain restrictions may apply.
† Balance Transfer Fees may apply during promotional periods.


View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Educator Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Student Visa

This fixed rate card with credit lines up to $1,500 is a great choice for students, age 18 to 25, looking to build credit.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Student Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Mason Alumni Visa

As the official banking partner of George Mason University, we are proud to offer the Apple Federal Credit Union Mason Alumni Visa® Credit Card. Get the spending power you want and the benefits you deserve with a low, variable-rate credit card from Apple FCU.

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else

Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity (including the GMU Alumni Association). Learn More About CURewards

Features
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1) will expire on the last business day of calendar year five (5)). Refer to the Mason Alumni Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Mason Alumni Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Credit Builder Visa (Savings Secured)

Our Credit Builder Visa looks and works like any other credit card. It’s a great way to establish or rebuild credit because this type of card is secured by the funds you have on deposit with Apple.

Build Your Credit

Simply deposit any amount, from $250 to $5,000, into an Apple Savings Account. We’ll place a hold on this deposit and that money becomes your credit limit. Then you may use your card for everyday purchases and enjoy the world-wide convenience of your Credit Builder Visa Credit Card.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Credit Builder Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Each month, we're giving away $1,000 to five lucky members'. | Learn More
Rated 1 out of 5 by from Access to My Apple Federal Credit Card payment sit Your site is NOT user friendly, nor is it intuitive. I am all for security, but give me a break. There is no simple way to make a payment on my Apple VISA Credit Card. I am thoroughly frustrated, and I am not neophyte with IT.
Date published: 2015-08-18
Rated 5 out of 5 by from Awesome credit card! I love using my Apple FCU credit card. The interest rate is nothing too crazy and even if I can't pay off my balance in one go, the minimum payments are reasonable so it is still easy for me to pay more than that amount. I moved back home to PA but still kept this card open because I use it so much!!
Date published: 2015-08-13
Rated 1 out of 5 by from replacement card delays It has been almost two months waiting for a replacement card,because my card was hacked and blocked. Worst replacement card services I have ever faced.
Date published: 2015-05-17
Rated 5 out of 5 by from Help me built my credit within 1year I love apple federal credit union! I remember trying to apply for credit cards to help me built my credit since I had none at the age of 19 years old. Nobody wills give me credit cards in till apple help me and started me off with $300 (which might not seem like a lot but I just wanted to built my credit ) with in 1 year I had a huge account increase and total of 6 credit cards. I use them all wisely and only for wmegenecies. Interest was bit high start but when I got my account increase amount my interest lower as well. I would this bank, they are very helpful and easy to talk to. You can even design your own image on the credit card. I been with them for 3-4 years and have zero complains !
Date published: 2015-05-17
Rated 5 out of 5 by from One way ticket to freedom The opportunity that this Visa card through Apple Federal Credit Union has provided me is the reason that today, I am financially free. Not only did AFCU allow me to establish good credit with this card but after a year, they gave me an unsecured Visa card, returned my initial deposit of $500.00, and gave me a car loan. I now have the freedom to pick and choose credit cards and I owe it all to you guys. Thanks for giving me a chance when no one else would.
Date published: 2015-05-18
Rated 5 out of 5 by from AFCU Exceeds all Expectations in Banking AFCU has (by far) exceeded my expectations when it comes to banking. I recently opened a Platinum Visa card with AFCU in order to consolidate and I must say that I am extremely happy and satisfied with the level of customer service I received during this process. I've been satisfied with the rates and overall ease of banking with AFCU. I will be purchasing a home (first time buyer) soon, and I am looking forward to speaking with the member services team for assistance! AFCU truly is the best there is and I am proud to be a member!!!
Date published: 2015-05-08
Rated 5 out of 5 by from Best Credit Card Out There Was the easiest card to apply for I went on sight requested the amount I wanted and had a decision in seconds. Also anytime I have had to call they figure the problem out and make sure you are satisfied before ending the call. Just the best bank I have ever dealt with.
Date published: 2015-05-18
Rated 5 out of 5 by from The Best Card in my Lineup! What can I say about my Apple FCU Platinum VISA, other than it's THE best card in my stable! I love how I am rewarded by good credit and usage of my card. I was recently informed of a credit increase as well as a preferred interest rate due to how I manage my card. No other credit card I have comes close to my interest rate, customer service or excellence in how I am treated as a customer. Very happy with my choice and happy to support my local Credit Union
Date published: 2015-08-13
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I missed my credit card minimum payment due date. Which was the 21st and won't be able to pay it until the 25th. Will I have a late fee or any points off my credit score? This is my first late payment.

Asked by: Jenn123
You're fine. There's a 15-day grace period on payments, and nothing is reported to the credit bureau until you're more than 30 days past due. Thanks for inquiring!
Answered by: AppleFCU
Date published: 2016-01-27

is there any interest on the student credit card?  and if so what is the rate?

Asked by: dori
Yes, the Student Visa Credit Card offers a low, fixed-rate with credit lines up to $1,500. The current Student Visa Credit Card interest rate is available online at AppleFCU.org/Rates.
Answered by: Apple FCU
Date published: 2016-01-19

online payments? 

Asked by: Cierra
You can make online payments for your Apple FCU Visa Credit card in various ways: 1. Within Online Banking, you can view your Credit Card summary to make a payment online. 2. Within Online Banking, use the Apple FCU FREE eBill Payer, to mail a payment to Apple FCU, P.O. Box 71050, Charlotte, NC 28272-1050
Answered by: Apple FCU
Date published: 2016-01-15

is there a min. credit score to qualify for the credit builder card?

Asked by: Erica
No, there is no minimum credit score to qualify since the available credit limit granted is based on funds held on deposit. That Apple FCU Credit Builder Card is a great way to build or restore credit. If you're ready to apply, visit AppleFCU.org/Apply.
Answered by: AppleFCU
Date published: 2016-01-07

how do i know when my credit card payment is due?

Asked by: Anonymous
Thanks for your question. Your Apple FCU Credit Card due date is noted on your monthly billing statement. You will receive this either by mail or email, depending on your account preferences. If you are an Online Banking user, you can also login at any time, click on your Credit Card from the main page and you'll be taken to your account details. From here, you can schedule a payment, review purchases, etc. Should you have any other questions, please call 703-788-4800 or stop by any Apple FCU branch.
Answered by: AppleFCU
Date published: 2016-01-04

Hello, Can I apply for a credit consolidation loan online? Or do I have to come in and apply at a location?

Asked by: Anonymous
Yes, you can apply online for any type of Apple Loan at AppleFCU.org/Apply. You could use an Apple FCU Visa Credit Card, a Signature Loan or Line of Credit, or a Home Equity Loan or Line of Credit, for the purposes of consolidation. We also routinely offer low-to-no-rate balance transfer offers to select Apple FCU Visa Credit Cards, so be sure to check out our current specials at AppleFCU.org/Promotions.
Answered by: AppleFCU
Date published: 2015-12-16

I was wondering what is the credit score you look for to get approval and which credit agency do you go through? I'm rebuilding my credit I've almost to a 698

Asked by: Rodney
Great work on improving your credit and thanks for considering an Apple FCU Credit Card! Depending on which Card you applied for, the minimum FICO score would vary, but the score you noted is in-line with our guidelines. It’s important to note though, that the FICO score is not the only deciding factor. We look for good/excellent credit, credit on the mend or credit being built. We look at repayment history, capacity and desire to repay, length and types of credit history. In short, we look at the entire picture and we look at each borrower individually. Lastly, Apple FCU has a relationship with all three (3) credit bureaus and may pull any one of them as needed. We would invite you to apply 24/7 at AppleFCU.org/Apply.
Answered by: AppleFCU
Date published: 2015-11-24

What does "25-day grace period on purchase" mean?

Asked by: melissa2296
Great question! A 'grace period' is the time window from the end of your billing cycle to the payment due date for that cycle. Grace periods vary by issuer, but are generally around 20 to 25 days. It's basically an interest-free period, but only if you pay the full balance by the due date. To learn more, visit http://www.creditcards.com/credit-card-news/grace-period-avoid-paying-interest.
Answered by: AppleFCU
Date published: 2015-11-20
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